Zoho Books
£10/mo est.
- Entry plan
- £10/mo (Standard)
- Users included
- 3 (Standard)
- UK payroll
- No (add-on)
- VAT/MTD
- Yes
- Bank feeds
- Yes (Standard)
- Est. monthly cost
- £10/mo
Zoho Books
Strong-value UK accounting with a genuine free plan, MTD VAT filing, and a clear upgrade path to inventory and multi-currency.
- Entry plan
- £10/mo (Standard)
- Users
- 3 (Standard)
- Payroll
- N/A
- Bank feeds
- Yes (Standard)
Best for
Cost-conscious UK sole traders and growing SMBs wanting a free entry tier with a clear upgrade path.
How much does Zoho Books cost per month?
Zoho Books plans cost from £10/mo (Standard, annual) to £165/mo (Ultimate, annual) in 2026. A free plan is available (Yes (under revenue cap)). Payroll is an extra N/A (separate Zoho Payroll subscription).
Pricing breakdown
All prices in GBPLast verified 29 July 2026Every fee we track, grouped by where it applies.
Strengths and trade-offs
Pros
- Genuine free plan with MTD VAT filing
- Strong value with a deep tier ladder
- Inventory, multi-currency and projects from Professional
- Free accountant access, even on the free plan
Cons
- No built-in payroll (separate Zoho Payroll product)
- Bank feeds and API only from the Standard plan
- Free-plan eligibility gated by a revenue threshold
- Best features locked behind the Professional plan
About Zoho Books
Zoho Books is the accounting product in the broad Zoho ecosystem, with tiered GBP plans from Standard up to Ultimate and a free plan for businesses under a revenue threshold. It is HMRC-recognised for MTD for VAT from the free plan upward, files Corporation Tax from Standard, and adds inventory, multi-currency, and project tracking from the Professional plan. Payroll runs through the separate Zoho Payroll product.
Zoho Books was founded in 1996 and is headquartered in Chennai, India.
How Zoho Books compares
Side-by-side with the closest alternatives by estimated cost.
Subscription plus payroll add-on, based on the entry plan with no employees. Processing fees not included.
Pandle
£5/mo est.
- Entry plan
- £5/mo (Pro)
- Users included
- Unlimited
- UK payroll
- No
- VAT/MTD
- Yes
- Bank feeds
- Yes
- Est. monthly cost
- £5/mo
Xero
£16/mo est.
- Entry plan
- £16/mo (Ignite)
- Users included
- Unlimited
- UK payroll
- Yes
- VAT/MTD
- Yes
- Bank feeds
- Yes
- Est. monthly cost
- £16/mo
FreshBooks
£16/mo est.
- Entry plan
- £16/mo (Lite)
- Users included
- 1
- UK payroll
- No
- VAT/MTD
- Yes
- Bank feeds
- Yes
- Est. monthly cost
- £16/mo
Common questions about Zoho Books
The same questions UK merchants ask before signing up.
Zoho Books starts at £10/mo (Standard) for the Standard plan, which includes 3 (Standard) users and is the cheapest paid entry plan on this table. Professional is £20/mo (Professional, annual) and the top Ultimate plan is £165/mo (Ultimate, annual). The paid plans are priced on annual billing and are capped by invoice volume rather than by user count.
Yes, and it is the only genuinely free plan on this table. Zoho Books offers a free tier for businesses under its published revenue cap, covering core accounting, invoicing and bank reconciliation. Once you exceed the cap you move to a paid plan. Check the current threshold on Zoho's own pricing page before relying on it, because the cap is set by Zoho and can change.
User inclusions increase by plan: the Standard plan includes 3 (Standard), Premium includes five, and Elite includes ten. This makes Zoho Books strong value for small teams compared to competitors that charge per seat or cap users at one on entry plans.
No. Payroll is not part of the Zoho Books subscription (N/A), so UK PAYE and RTI filing would need separate software. If you employ staff, factor that second subscription in before comparing Zoho Books' headline price against Xero, which includes payroll.
Yes. Zoho Books is Making Tax Digital compatible, files VAT returns to HMRC, and supports MTD for Income Tax Self Assessment. It offers partial Self Assessment support. It does not support CIS, so construction businesses subcontracting under the scheme should look at QuickBooks, Sage or Xero instead.
On the headline price yes: £10/mo (Standard) against Xero's entry plan, plus a free tier Xero does not match. The comparison narrows once you employ anyone, because Xero includes payroll and Zoho Books does not, and Zoho's plans cap invoice volume where Xero's do not cap users. Zoho Books also lacks CIS. For a sole trader invoicing modestly it is strong value; for a business with staff, price the payroll add-on before deciding.
Yes. Zoho Books is part of the broader Zoho ecosystem and integrates natively with Zoho CRM, Zoho Inventory, Zoho Expense, and Zoho Payroll, among others. For businesses already using Zoho products, this tight integration reduces duplication of data entry and makes the suite more attractive as a whole.
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